EPF Declares 6.15 Pct Dividend For Conventional, Shariah Accounts For 2025, With Total Payout Of RM79.6 Bln

KUALA LUMPUR, Feb 28 (Bernama) -- The Employees Provident Fund (EPF) has announced a dividend rate of 6.15 per cent for 2025 (2024: 6.3 per cent) for both the conventional and shariah savings accounts, with a total payout of RM79.6 billion.

Chief executive officer Ahmad Zulqarnain Onn said that for the year ended Dec 31, 2025, EPF recorded total distributable income of RM82.7 billion, up 9.5 per cent from RM75.5 billion in 2024.

He said investment assets grew to RM1.41 trillion, an increase of 12.8 per cent from RM1.25 trillion previously, driven by portfolio income and net contributions of RM66.5 billion.

“Equities remained the primary contributor in 2025, generating RM50.7 billion, or 64 per cent of total investment income.

“This surpassed RM49.9 billion in 2024, while return of investment (ROI) moderated to 7.9 per cent amid global market volatility and softer domestic market conditions. Private equity investments, which represent around 8.0 per cent of the equity investments, recorded an ROI of 10.5 per cent,” he said when making the 2025 EPF dividend announcement today.

As for fixed income instruments, which comprised predominantly Malaysian Government Securities, he said they contributed RM26.3 billion or 33 per cent of total investment income with an ROI of 4.3 per cent.

“As yields trended lower during the year, fund managers were able to realise capital gains in a measured manner while taking deliberate steps to keep the portfolio yield well‑positioned for future returns,” he said.

The real estate and infrastructure segment delivered RM1.6 billion in income with an ROI of 4.8 per cent on a constant currency basis, while money market instruments contributed RM600 million with an ROI of 1.6 per cent.

“As most of these investments are denominated in non-ringgit currencies, performance was affected by foreign exchange translation as the ringgit strengthened against the US dollar,” he noted.

Total investment income recorded was RM79.2 billion. 

Ahmad Zulqarnain said that consistent with previous years, the figure includes unrealised mark-to-market gains and losses on securities, arising mainly from foreign exchange rate fluctuations.

Investment income for conventional and shariah savings amounted to RM66.2 billion and RM13.0 billion, respectively, he added.

Ahmad Zulqarnain said equities made up 46.1 per cent of total assets, while fixed income instruments comprised 44.7 per cent.

Real estate and infrastructure accounted for 6.0 per cent, and money market instruments 3.2 per cent.

“Domestic investments continued to provide steady income. Of the RM1.41 billion in total assets as at December 2025, 61.7 per cent was invested domestically, generating RM39.3 billion or 49.6 per cent of total investment income.

“Global investments, representing 38.3 per cent of the portfolio, generated RM39.9 billion, accounting for 50.4 per cent of total investment income,” he added.

-- BERNAMA